Best commercial mortgages in the UK provide more than competitive rates. They deliver flexibility, expert support, and funding solutions built around real business needs. From first-time buyers to seasoned property investors, securing the right mortgage depends on finding a provider that understands your goals. In 2025, a range of brokers and lenders stand out for their service, speed, and market knowledge. This article presents eight leading companies offering commercial mortgage products. Each one helps businesses navigate the lending process with clarity and offers funding that supports long-term growth.
1. KIS Finance
Headquarters: Cullompton, UK
Loan Size: £100,000 – £250 million+
Loan-to-Value (LTV): Up to 75% (100% with additional security)
Repayment Terms: 3 – 30 years (interest-only or capital repayment)
Availability: 7 days/week, 08:00–22:00
Website: https://www.kisbridgingloans.co.uk | Phone: 0800 644 6555
Overview:
KIS Finance ranks among the UK’s leading commercial mortgage providers in 2025. It bridges both owner-occupiers and investors with bespoke finance solutions. Its expansive lender panel spans high street banks, challenger lenders, and niche funders.
Core Offerings:
- Tailored loans from £100,000 to £250 million+
- Flexible repayment structures: interest-only or capital repayment
- Strong capability with complex cases—poor credit, mixed-use, foreign nationals, multi‑property portfolios
Requirements & Fees:
- Minimum: 3 years’ filed business accounts + profit/loss forecasts
- Fees: 1–2% arrangement fee; broker fee up to 1%; valuation and legal fees apply
Why It Stands Out:
- Transparent, consultative process with no high-pressure sales
- Clear, straight-talking advice and communication throughout
- Seven-day support ensures continuity from first enquiry to funding
Summary:
When businesses need flexible, sophisticated lending—especially large or complex transactions—KIS Finance is one of the best choices on the market.
2. Pure Property Finance
Headquarters: Cardiff, UK
Loan Size: Variable (up to 75% LTV)
Loan-to-Value (LTV): Up to 75%
Repayment Terms: Up to 30 years (fixed or interest-only)
Availability: Nationwide service
Website: purepropertyfinance.co.uk | Phone: 02920 766 565
Overview:
Pure Property Finance is an independent commercial mortgage provider established in 2013. Operating from Cardiff, the firm delivers customised finance solutions for business owners, property investors, and developers across the UK.
Core Offerings:
- Mortgages for owner-occupiers, investment properties, and portfolio lending
- Suitable for clients with poor credit or complex funding requirements
- Access to 60+ lenders, including private funds and major banks
- Additional services: development finance, bridging loans, secured loans, and asset-based lending
Requirements & Fees:
- Loan structure tailored case-by-case
- Broker fee typically 1%
- Standard arrangement, valuation, and legal fees may apply
Why It Stands Out:
- Known for fast response times and handling urgent or complex deals
- Negotiates directly with lenders to reduce fees or secure enhanced terms
- End-to-end case management by experienced brokers
Summary:
Pure Property Finance remains a strong option for borrowers seeking flexible, hands-on support and lender access across a wide spectrum of commercial property types.
3. Commercial Trust
Headquarters: Norwich, UK
Loan Size: From £30,000 (no set upper limit)
Loan-to-Value (LTV): Up to 75%
Repayment Terms: 3 – 25 years
Availability: Nationwide service
Website: commercialtrust.co.uk | Phone: 0808 132 0097
Overview:
Commercial Trust Ltd is a specialist commercial mortgage broker based in Norwich. With over 30 years of experience, the firm provides finance solutions for landlords, business owners, and property investors across the UK.
Core Offerings:
- Commercial mortgages for business premises, both owner-occupied and investment
- Remortgaging, capital raising, and equity release
- Portfolio expansion and property acquisition
- Additional products: buy to let mortgages, bridging loans, development finance, and second-charge lending
Requirements & Fees:
- Deposit typically 25–40%
- Interest rates generally higher than standard BTL mortgages
- Loans assessed on property income and borrower profile
- Step-by-step guidance from initial consultation to completion
Why It Stands Out:
- Fast lender decisions—often within two hours
- Dedicated account managers streamline paperwork and lender communication
- Access to a wide lender panel through Legal & General Mortgage Club
- Transparent service praised for speed, clarity, and client support
Summary:
Commercial Trust is a strong provider for borrowers seeking tailored funding with ongoing advisory support, especially for property investors managing complex or multi-property transactions.
4. AS Financial
Headquarters: London, UK
Loan Size: Variable (based on lender and client profile)
Loan-to-Value (LTV): Case-specific (based on business type and lender criteria)
Repayment Terms: Case-specific
Availability: Nationwide service
Website: asfinancialservices.co.uk | Phone: 0203 993 3411
Overview:
AS Financial is an independent mortgage broker based in London, established in 2009. The firm offers commercial mortgage solutions for limited companies, buy-to-let investors, partnerships, and sole traders.
Core Offerings:
- Whole-of-market access across commercial lenders
- Mortgages for property purchase, remortgaging, and portfolio lending
- Tailored support for clients with multiple properties
- Free, no-obligation mortgage consultations
Additional Services:
- Residential mortgages
- Bridging finance
- Development funding
- Insurance and protection products
Requirements & Fees:
- Independent advice based on price and fit—not lender preference
- Commission-based model may eliminate direct client fees
- Broker fee (when applicable) typically around 1%
- Additional lender, valuation, and legal fees may apply
Why It Stands Out:
- Entire market search ensures competitive, customised deals
- End-to-end advisory—from consultation to negotiation and completion
- Highly rated for transparency and support, especially on VouchedFor
Summary:
AS Financial is a solid choice for clients seeking whole-of-market commercial mortgage access, especially those needing tailored advice for buy-to-let or multi-property strategies.
5. Aldermore Bank
Headquarters: UK (National presence)
Loan Size: £200,000 – £50 million
Loan-to-Value (LTV): Up to 75%
Repayment Terms: Up to 20 years
Availability: Direct to clients and intermediaries
Website: aldermore.co.uk | Phone: 01733 404518
Overview:
Aldermore Bank is a specialist UK lender providing commercial mortgage products for investors, developers, and owner-occupiers. The bank offers finance for income-generating real estate, semi-commercial assets, mixed-use schemes, and large residential portfolios.
Core Offerings:
- Mortgages for commercial units, HMOs, multi-unit blocks, and semi-commercial premises
- Owner-occupied and investment properties
- Loan amounts from £1 million to £50 million (rate card available for loans starting at £200,000)
- Applicants include individuals, LLPs, Ltd companies, PLCs, and trusts
Terms & Rates:
- Fixed and variable rate options
- Fixed terms: 3, 5, or 7 years
- Variable rate: BBR + 4.30%–5.15%
- Sample fixed rates (under £1m):
- 3-year: 5.00%–6.15%
- 5-year: 5.15%–6.15%
- 7-year: 5.20%–6.20%
Requirements & Fees:
- Properties must be in England, Wales, or mainland Scotland
- Minimum age: 21 (25 for first-time landlords); maximum age: 85 at term end
- Credit, income, and asset checks apply
- Arrangement fee: typically 1.5% (includes 0.75% procuration), may be added to loan
- Early repayment charges and 0.25% commitment fee at offer
Why It Stands Out:
- Individual case assessment by commercial lending specialists
- Bespoke structuring for complex borrowers and large loan sizes
- Accommodates trusts and layered corporate structures
- Direct access or via brokers, with dedicated support for intermediaries
Summary:
Aldermore Bank is a strong choice for experienced borrowers needing structured, large-scale finance for commercial or mixed-use property. Its flexibility and underwriting depth suit both direct applicants and intermediaries seeking specialist lending solutions.
6. Together Money
Headquarters: Cheadle, Cheshire, UK
Loan Size: £50,000 – £500,000+ (bespoke available)
Loan-to-Value (LTV): Up to 75%
Repayment Terms: 7 – 30 years
Availability: Direct and broker channels
Website: togethermoney.com | Phone: 0161 956 3224
Overview:
Together Money (Together Commercial Finance Limited) is a specialist UK lender with over 50 years of experience. The firm provides commercial mortgages and property finance for business owners, landlords, and investors. Known for its “common-sense” lending approach, Together is often chosen by borrowers who don’t meet traditional high street lending criteria.
Core Offerings:
- Commercial mortgages for owner-occupier and investment premises
- Semi-commercial, mixed-use, and land finance
- Portfolio buy-to-let funding
- Additional solutions: bridging loans, auction finance, secured loans, development finance
Terms & Rates:
- Loans from £50,000 to £500,000+ (larger loans arranged individually)
- LTV up to 75%
- Terms from 7 to 30 years
- Recent fixed rates (as of August 2024):
- 2-year fixed: from 8.1%
- 5-year fixed: from 7.74%
- Variable: from 9.85%
Requirements & Fees:
- Available in England, Wales, and Scotland
- Suitable for clients with adverse credit or non-standard income
- Arrangement fees and other charges disclosed during application
- Dedicated account managers provide case-by-case support
Why It Stands Out:
- Flexible underwriting that prioritises real-world circumstances
- No maximum buy-to-let portfolio size
- Fast response times for urgent transactions
- Broad eligibility, including limited companies and self-employed applicants
Summary:
Together Money is well-suited for borrowers with complex needs or unconventional profiles. Its manual underwriting, personalised service, and appetite for risk make it a standout choice for property professionals seeking flexibility and speed.
7. Shawbrook Bank
Headquarters: UK (National coverage)
Loan Size: £150,000 – £35 million+
Loan-to-Value (LTV): Up to 75%
Repayment Terms: Up to 25 years (interest-only up to 12 years)
Availability: Direct and broker-led applications
Website: shawbrook.co.uk | Phone: 0345 600 7681
Overview:
Shawbrook Bank is a UK specialist lender offering a broad range of commercial mortgage solutions tailored to property investors, landlords, trading businesses, and developers. The bank is recognised for its flexible underwriting, intuitive systems, and ability to support both standard and complex lending needs.
Core Offerings:
- Mortgages for commercial investment, semi-commercial, and owner-occupied properties
- Portfolio and large asset financing
- Trading business mortgages for acquisition, refinancing, or expansion
- Structured Real Estate team for loans over £5 million
Terms & Rates:
- Standard mortgage range: £150,000 – £35 million
- Trading business product: £150,000 – £1.25 million
- Interest-only options (up to 12 years), full/part capital repayment up to 25 years
- Rates from 6.39% (standard) and 6.59% (trading product)
- Fixed terms of 2, 3, or 5 years; variable rates available
Requirements & Process:
- Applicants: individuals, LLPs, limited companies, ex-pats, and trusts
- Property must be in the UK
- Lending decisions based on affordability and asset strength
- Fast-track application process through advanced broker platform
- Product transfer and refinancing options for existing customers
Why It Stands Out:
- No cap on property or account volumes
- Enhanced broker support via a dedicated Broker Hub
- Premium case management for loans exceeding £5 million
- Reputation for handling complex transactions with clarity and speed
Summary:
Shawbrook Bank is a strong choice for clients requiring structured finance, fast decisions, and flexible repayment strategies—particularly for larger or more intricate commercial property portfolios.
8. InterBay Commercial
Headquarters: UK (Part of OneSavings Bank)
Loan Size: From £200,000 (bridging from £100,000)
Loan-to-Value (LTV): Up to 75%
Repayment Terms: 2 – 30 years (commercial), up to 18 months (bridging)
Availability: Intermediary-led applications
Website: interbay.co.uk | Phone: 0345 878 7000
Overview:
InterBay Commercial is a specialist UK lender offering tailored mortgage solutions for commercial and semi-commercial properties, bridging finance, and portfolio buy-to-let. As part of OneSavings Bank, InterBay focuses exclusively on supporting intermediaries with complex or non-standard client needs.
Core Offerings:
- Commercial mortgages for owner-occupiers and investors
- Semi-commercial and mixed-use lending
- Bridging finance for acquisition and equity release
- Buy-to-let, HMOs, and large property portfolios
- Expat mortgage products for UK nationals abroad
Terms & Rates:
- Commercial loan minimum: £200,000 (no published upper limit)
- Bridging loans: £100,000 – £5 million
- Commercial terms: 2 – 30 years
- Bridging terms: up to 18 months
- LTV up to 75% (lower for high-value or extended terms)
- Bridging rates: from 0.44%–0.64% monthly based on LTV
Requirements & Process:
- Property required as security
- Minimum age: 21
- Credit checks for loans over £750,000
- In-house lending team with specialist case managers
- Individual underwriting and case-by-case assessments
- Broker tools: calculators, criteria guides, product transfer options
Why It Stands Out:
- Strong track record with complex cases and layered ownership structures
- Offers product flexibility not always found in traditional lending
- Focuses exclusively on the broker market
- Fast processing with dedicated specialist teams
Summary:
InterBay Commercial is an ideal provider for brokers managing intricate or challenging applications. Its flexibility, strong support structure, and specialist expertise make it a reliable option for bespoke commercial and bridging finance.
Summing up
The best commercial mortgage providers in the UK in 2025 include a mix of independent brokers, specialist lenders, and challenger banks. These firms offer solutions for a wide range of clients, from sole traders and SMEs to professional landlords and property developers. Their services cover everything from straightforward property purchases to complex refinancing and development finance. What sets the best commercial mortgage providers apart is their flexibility with credit history, speed of decision-making, and deep understanding of lender requirements. They help businesses secure funding with confidence and long-term financial stability.
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